Federal credit union · BESSEMER, Alabama · NCUA charter #12837
Marvel City
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $8.9M
- Total assets
- 945
- Members
- 17.6%
- Net-worth ratio
Marvel City scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $8.9M; members 945; net-worth ratio 17.64%; health rank #1,394 of 4,374; healthier than 65th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#1,394 of 4,374 health · 2025Q4Marvel City · health 88/100 · $8.9M · 2025Q4
- NCUSIF 88/100
- CAMELS 17.6%
- HEALTH 0.71%
- NW 1.12%
- DELQ $8.9M
- ROA 945
- ASSETS #1,394/4,374
- MEM n/a
- RANK 12837
Call Report peers
Marvel City carries $8.9M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Marvel City vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Marvel City - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #12837 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Marvel City vs $2M–$10M peers
- Strongest edge vs 566 $2M–$10M peers is Delinquency Rate: -1.10 pp (0.71% vs 1.81%).
- Largest lag: Loan-to-Share Ratio at 41.16% vs peer 63.60% (-22.44 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Marvel City in Alabama
- Alabama health ordinal: #27 of 89.
- Alabama assets place: #72 of 89.
- Alabama membership ordinal: #72 of 89.
In-state ordinals use the live credit_unions table for AL only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Marvel City Call Report trajectory
Marvel City: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +2.6% from $8.9M (2025Q4) to $9.2M (2026Q1).
- Net-worth ratio shifted -0.39 pp (18.03% → 17.64%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
17.64% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 22.9 pts
- Return on Assets 15.0 pts
- Member Growth 10.0 pts
- Loan-to-Share Ratio 10.1 pts
Marvel City vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 17.64% | -1.42 pp |
| Delinquency Rate | 0.71% | -1.10 pp |
| Return on Assets | 1.12% | +0.66 pp |
| Member Growth | 0.85% | - |
| Loan-to-Share Ratio | 41.16% | -22.44 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Marvel City quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $9.2M | - |
| 2025Q4 | $8.9M | 945 |
| 2024Q4 | $8.9M | 937 |
| 2023Q4 | $9.1M | 919 |
Credit Union Details
- Charter Number
- 12837
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Alabama
- City
- BESSEMER
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for Marvel City.
| Office | City |
|---|---|
| Office (Main Office) | Bessemer, AL |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Alabama
A look at other Alabama credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Marvel City
Two NCUA Call Report peer sets for Marvel City, both outside Alabama so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- Marvel City ranks #1,394 of 4,374 nationally on financial health and #27 of 89 in AL -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- L&n Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with L&n Employees
- Rates and health both vary by institution, not just by state -- see how Alabama credit unions compare overall before assuming this one is typical. Alabama state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Marvel City financially healthy?
Yes/no aside, the number is 88/100 (Excellent) - Marvel City's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,394 of 4,374; by total assets it ranks #3,612 of 4,374 nationally (same basis as /rankings/largest); and #72 of 89 within Alabama. Above 80 reads excellent, below 50 warrants closer monitoring; a 17.64% net worth ratio and 0.71% delinquency rate are the key drivers.
How does Marvel City compare to other credit unions?
88/100 is Marvel City's score on PlainCU's health composite, compared to a peer group average for $2M–$10M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Marvel City?
Marvel City serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Marvel City directly for the current list of qualifying groups.
Is my money safe at Marvel City?
Federal credit unions like Marvel City are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Marvel City's net worth ratio of 17.64% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Marvel City offer compared to banks?
Credit unions like Marvel City are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Marvel City directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.